Whether you're buying a home or building one, we're happy to help you make your big move.

Homes come in all different sizes and styles. Likewise, there are plenty of financing options. Our team at PS Mortgage can explain all the details and help you decide on a loan that fits perfectly with your new home.

Home Purchase

Your home isn't just a great place to live. It's also a major investment. With affordable financing from PS Mortgage, you can feel certain that you're on solid financial footing.

  • Fixed-rate loans with stable monthly payments
  • FHA, VA, and USDA loans are available for those who qualify
  • Competitive rates and closing costs
  • Personalized assistance from our experienced lending team
  • Mortgage interest payments may be tax-deductible (consult your financial advisor)

All inquiries received after 4:00 p.m. EST will be considered received on the next business day.

Home Construction Loan

You want a home that's unique - or one that's on the perfect piece of land. At PS Mortgage, we can finance every phase of the new home construction process, from the first shovelful of dirt to the final coat of paint.

  • Competitive rates and closing costs
  • Easily converts to long-term mortgage once you're ready to move in, all with one closing

All inquiries received after 4:00 p.m. EST will be considered received on the next business day.

Home Refinance

You're quite satisfied with your current home. But maybe you're not as thrilled with your existing mortgage. Our lending team is ready to review your loan and see if we can find one that works better for you.

  • Take advantage of lower interest rates to reduce your payment or shorten your mortgage term
  • Cash out your home's equity to consolidate debt or make home improvements

All inquiries received after 4:00 p.m. EST will be considered received on the next business day.

First-Time Home Buyer Grant

There's almost nothing more exciting than buying your first home. But saving enough money to make it happen can be a big challenge. At PS Mortgage, our First Front Door program provides financial assistance that turns dreams into reality.

  • Apply for up to $5,000 in down payment and closing cost assistance
  • FFD program available to first-time homebuyers whose household income is no more than 80% of our area's median income.
  • Visit: to review all FFD requirements
  • Our friendly mortgage team can explain all the details and help determine if you're eligible
  • PS Bank is proud to work with local agencies that assist first-time home buyers such as NeighborWorks of NEPA and Trehab of Bradford County

All inquiries received after 4:00 p.m. EST will be considered received on the next business day.

Mortgage 100%

PS Bank is proud to offer 100% financing for your next residential mortgage or construction. With Mortgage 100%, borrow up to 100% of the value of your home.

Now is the time to buy or build with no down payment needed. 

Mortgage 100% can be used for a purchase, construction, or toward home improvements. Borrow up to 100% with Cash Out toward your remodel.

*Offer subject to credit approval. Terms up to 20 years, Additional terms and conditions may apply. Example of payment terms: Borrow $150,000 at 3.675% Annual Percentage Rate (APR) for 240 monthly payments of $869.94. Payment does not include amounts for taxes, private mortgage insurance, and homeowners insurance premiums, the actual payment will be greater. Flood insurance may be required. Loan to value ratio may not exceed 100%. Program available for properties located in PA only. Lender title insurance required. APR and example of payment shown is based on Loan Amount of $150,000, 1.0% Origination Fee, 0% down payment, up to 3% seller assist for closing costs, 680+ credit score. Rate is in effect April 15, 2022 and subject to change at any time. NMLS#486076

Contact Us

Senior Mortgage Lending Officer
Vice President

Lori Rudalavage
NMLS #142504
[email protected]

Branch Manager
Assistant Vice President
Mortgage Loan Originator

Aimee O'Connor
NMLS #1337305
[email protected]

PS Bank is a full-service financial institution with branches throughout Northeastern and North Central Pennsylvania.

Unsecured Home Improvement Loan

Do you want to increase the value of your home with fixed monthly payments? PS Bank can help with an unsecured home improvement loan.

Apply For A Mortgage

Jump into your dream home with a mortgage from PS Mortgage.

Bank From Anywhere

Download our mobile app to bank as you go!

Make A Loan Payment Online

Make your PS Bank loan and mortgage payments online anytime, anywhere!

Explore Our Digital Banking Services

At PS Bank, you can manage your money and account from anywhere, anytime. Use Online Banking to pay bills, make loan payments, and more.

Check Out Our Competitive Rates

240 Month Home Equity


HELOC Introductory Rate


60 Month CD


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